Study On The Private Banking Business Development Strategy Of N Bank

In recent years, with the steady growth of China's economy continued for many years, the changes of social wealth distribution structure is fundamentally, the folk capital and disposable personal income has been increasing year by year, the financial needs of individual customers is growing, high net worth is "explosive" expansion, Private banking clients have become institutions to snatch customer groups. The private bank business quietly rising in our country banking industry is an indisputable fact.At present, in the reform of China's financial system has experienced many years of reform and opening up and development, initially formed a relatively complete system of the socialist market economy. Different economic systems coexist, interdependence, interaction, promote the steady growth of the domestic economy, increasing the income of the residents. In the meantime, one of the most important features, is China affluent rise rapidly, China has enough wealthy and affluent population base, population concentration is very high. The rapid growth of high-end wealthy clients, to domestic commercial banks, private banking business development already has good development space, high-end wealthy clients currently provide banks with private banking services has the market foundation of reality, but also find a new way out for the process of banking in emerging asset management and private wealth management business, create the market opportunities for the private banking business.The design idea of the paper mainly comes from their private banking business in the practical work experience, the use of a large number of literature analysis, and taking the present situation of the private banking business development of N bank as a case of in-depth analysis, operational, pertinence and practical strong, and strive to timeliness. Can guide the N bank in the implementation and vigorously promote the private banking business strategies to a certain extent, the establishment and improvement of the high-end customer demand, comprehensive, specialized financial services, seriously explore the operation mode of the private banking business with N bank characteristics, not only to the integrated, diversified development, but also to the development of internationalization, modernization, and constantly improve the competitive ability, always walk in the forefront of the domestic banks in the pace of development of private banking business, the banks were used for reference, and create the future, has the instruction significance.This paper first elaborates the history of private banking background and significance, research method and frame structure; then summarizes the definition and characteristics of private banking, review and analysis of the nature and characteristics of domestic and foreign private banking business; and the universal existence question analysis development present situation and the development of the domestic and international private banking business in the business, study the development of the private bank in the issue and mode; starting from the management practice of N bank private bank as sample data, analysis of existing customers N bank private bank, to get the real demand of N private banking customers, and then use SWOT analysis method, the analysis and comparison of the development of private bank N bank's advantage, disadvantage, opportunities and difficulties; finally draws the conclusion, from the strategic orientation, organizational structure, channel construction, personnel training, product innovation, risk management and other aspects of the specific development strategy.